image
Financial Services - Insurance - Specialty - NASDAQ - US
$ 52.76
0.995 %
$ 2.23 B
Market Cap
-164.87
P/E
1. INTRINSIC VALUE

Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on a monthly subscription basis in the United States, Canada, Puerto Rico, and Australia. The company operates in two segments, Subscription Business and Other Business. It serves pet owners and veterinarians. The company was formerly known as Vetinsurance International, Inc. changed its name to Trupanion, Inc. in 2013. The company was founded in 2000 and is headquartered in Seattle, Washington.[ Read More ]

The intrinsic value of one TRUP stock under the base case scenario is HIDDEN Compared to the current market price of 52.8 USD, Trupanion, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart TRUP

image
FINANCIALS
1.11 B REVENUE
22.47%
-40.7 M OPERATING INCOME
4.89%
-44.7 M NET INCOME
-0.05%
18.6 M OPERATING CASH FLOW
332.97%
7.64 M INVESTING CASH FLOW
111.31%
59.1 M FINANCING CASH FLOW
-2.66%
327 M REVENUE
4.02%
1.75 M OPERATING INCOME
131.91%
1.42 M NET INCOME
124.31%
15.3 M OPERATING CASH FLOW
123.09%
-1.46 M INVESTING CASH FLOW
94.73%
-1.04 M FINANCING CASH FLOW
-8.46%
Balance Sheet Decomposition Trupanion, Inc.
image
Current Assets 562 M
Cash & Short-Term Investments 277 M
Receivables 268 M
Other Current Assets 17 M
Non-Current Assets 221 M
Long-Term Investments 12.9 M
PP&E 104 M
Other Non-Current Assets 104 M
Current Liabilities 344 M
Accounts Payable 10.5 M
Short-Term Debt 1.35 M
Other Current Liabilities 333 M
Non-Current Liabilities 135 M
Long-Term Debt 128 M
Other Non-Current Liabilities 7.17 M
EFFICIENCY
Earnings Waterfall Trupanion, Inc.
image
Revenue 1.11 B
Cost Of Revenue 978 M
Gross Profit 131 M
Operating Expenses 1.15 B
Operating Income -40.7 M
Other Expenses 4.03 M
Net Income -44.7 M
RATIOS
11.82% GROSS MARGIN
11.82%
-3.67% OPERATING MARGIN
-3.67%
-4.03% NET MARGIN
-4.03%
-14.72% ROE
-14.72%
-5.71% ROA
-5.71%
-9.33% ROIC
-9.33%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Trupanion, Inc.
image
Net Income -44.7 M
Depreciation & Amortization 12.5 M
Capital Expenditures -18.3 M
Stock-Based Compensation 33.2 M
Change in Working Capital 16.3 M
Others 17.7 M
Free Cash Flow 358 K
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Trupanion, Inc.
image
Wall Street analysts predict an average 1-year price target for TRUP of $40.8 , with forecasts ranging from a low of $22 to a high of $57 .
TRUP Lowest Price Target Wall Street Target
22 USD -58.30%
TRUP Average Price Target Wall Street Target
40.8 USD -22.71%
TRUP Highest Price Target Wall Street Target
57 USD 8.04%
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership Trupanion, Inc.
image
Sold
0-3 MONTHS
616 K USD 4
3-6 MONTHS
65.4 K USD 2
6-9 MONTHS
79.2 K USD 1
9-12 MONTHS
297 K USD 2
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
500 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
1 week ago
Nov 06, 2024
Sell 105 K USD
LOW MURRAY B
Director
- 2000
52.6733 USD
1 week ago
Nov 04, 2024
Sell 105 K USD
WORRA TRAVIS
General Manager
- 2000
52.7243 USD
2 months ago
Aug 28, 2024
Sell 349 K USD
Tooth Margaret
CEO
- 7500
46.48 USD
2 months ago
Aug 26, 2024
Sell 29 K USD
Qureshi Fawwad
Chief Financial Officer
- 624
46.54 USD
3 months ago
Aug 16, 2024
Sell 27.6 K USD
Qureshi Fawwad
Chief Financial Officer
- 640
43.12 USD
5 months ago
May 30, 2024
Sell 29.4 K USD
WEINRAUCH STEVE
EVP, North Am & Vet Strategy
- 1000
29.35 USD
5 months ago
May 30, 2024
Sell 36.1 K USD
HEWITT MELISSA JOY
General Manager
- 1200
30.0446 USD
6 months ago
May 07, 2024
Bought 500 K USD
RAWLINGS DARRYL
Chief Executive Officer
+ 20700
24.1383 USD
6 months ago
May 07, 2024
Sell 79.2 K USD
DREYER EMILY
SVP, Channel Growth
- 3125
25.3443 USD
11 months ago
Nov 30, 2023
Sell 31.9 K USD
HEWITT MELISSA JOY
General Manager
- 1213
26.27 USD
11 months ago
Nov 30, 2023
Sell 266 K USD
WEINRAUCH STEVE
EVP, North Am & Vet Strategy
- 10170
26.108 USD
7. News
Trupanion (TRUP) is a Great Momentum Stock: Should You Buy? Does Trupanion (TRUP) have what it takes to be a top stock pick for momentum investors? Let's find out. zacks.com - 1 week ago
Trupanion, Inc. (TRUP) Q3 2024 Earnings Call Transcript Trupanion, Inc. (NASDAQ:TRUP ) Q3 2024 Results Earnings Conference Call October 31, 2024 4:30 PM ET Company Participants Gil Melchior - Director of Investor Relations Margi Tooth - President and Chief Executive Officer Fawwad Qureshi - Chief Financial Officer Conference Call Participants Maria Ripps - Canaccord Genuity John Barnidge - Piper Sandler Brandon Vazquez - William Blair Joshua Shanker - BofA Securities Jonathan Block - Stifel Katie Sakys - Autonomous Research Wilma Burdis - Raymond James Operator Good day and welcome to the Trupanion Third Quarter 2024 Earnings Conference Call. All participants will be in listen-only mode. seekingalpha.com - 2 weeks ago
Trupanion (TRUP) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates Although the revenue and EPS for Trupanion (TRUP) give a sense of how its business performed in the quarter ended September 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 2 weeks ago
Trupanion (TRUP) Q3 Earnings and Revenues Top Estimates Trupanion (TRUP) came out with quarterly earnings of $0.03 per share, beating the Zacks Consensus Estimate of a loss of $0.06 per share. This compares to loss of $0.10 per share a year ago. zacks.com - 2 weeks ago
3 Stocks With High Short Interest Still Near Their 52-Week Highs Every stock has bulls and bears. When trying to understand the bearish sentiment around a stock, looking at short interest can be particularly useful. marketbeat.com - 2 weeks ago
Trupanion (TRUP) Expected to Beat Earnings Estimates: What to Know Ahead of Q3 Release Trupanion (TRUP) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 3 weeks ago
3 Stocks to Watch From the Thriving Accident & Health Insurance Industry Lower claims frequency, moderate pricing and the adoption of technology are likely to boost the performance of Zacks Accident and Health Insurance industry players like AFL, UNM and TRUP. zacks.com - 1 month ago
Trupanion Stock Rallies 37.9% Year to Date: More Room for Upside? Focus on pet health and well-being in an underpenetrated pet insurance market, extended operating boundaries and solid capital position poise TRUP for growth. zacks.com - 1 month ago
Calling All Paw-ty Animals: Trupanion to Connect Families & Shelter Pets for a Frightfully Howling Halloween Trupanion is launching the ‘Tricked Out for Treats Pet-tacular,' a fun and festive pet costume contest with a deeper mission — to spotlight adoptable pets and the incredible shelters and rescues that care for them Trupanion is launching the ‘Tricked Out for Treats Pet-tacular,' a fun and festive pet costume contest with a deeper mission — to spotlight adoptable pets and the incredible shelters and rescues that care for them globenewswire.com - 1 month ago
Trupanion Launches Signature Medical Insurance Product in Europe Launches high-value product in Germany & Switzerland with capability to pay veterinarians directly Launches high-value product in Germany & Switzerland with capability to pay veterinarians directly globenewswire.com - 2 months ago
Trupanion Stock Near 52-Week High: Time to Buy or Hold? TRUP is poised to grow on its focus on pet health and well-being in an underpenetrated pet insurance market, product launches, extended operating boundaries and a solid capital position. zacks.com - 2 months ago
Trupanion Publishes 2024 Corporate Social Responsibility Report Trupanion shares insights into corporate governance, commitment to sustainability, and more in their latest Corporate Social Responsibility Report Trupanion shares insights into corporate governance, commitment to sustainability, and more in their latest Corporate Social Responsibility Report globenewswire.com - 2 months ago
8. Profile Summary

Trupanion, Inc. TRUP

image
COUNTRY US
INDUSTRY Insurance - Specialty
MARKET CAP $ 2.23 B
Dividend Yield 0.00%
Description Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on a monthly subscription basis in the United States, Canada, Puerto Rico, and Australia. The company operates in two segments, Subscription Business and Other Business. It serves pet owners and veterinarians. The company was formerly known as Vetinsurance International, Inc. changed its name to Trupanion, Inc. in 2013. The company was founded in 2000 and is headquartered in Seattle, Washington.
Contact 6100 4th Avenue South, Seattle, WA, 98108 https://www.trupanion.com
IPO Date July 18, 2014
Employees 1142
Officers Mr. Wei Li Senior Vice President of Finance & Corporate Controller Ms. Brenna McGibney Chief Administrative Officer Ms. Margaret Rosemary Maria Tooth President, Chief Executive Officer & Director Ms. Bradley Lamb Head of Conversion Mr. John Gallagher Chief Operating Officer Mr. Christopher John Kearns Chief Legal Officer Dr. Steve Weinrauch BVMS, MRCVS Executive Vice President of North America & Veterinary Strategy Ms. Laura Bainbridge Head of Investor Relations Mr. Darryl Graham Andrew Rawlings Founder & Chair of the Board Mr. Fawwad Qureshi Chief Finance Officer